Call reports 2016
LUSITANIA SAVINGS BANK — 2016
What LUSITANIA SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 293,080,000 | 295,396,000 | 299,739,000 | 302,540,000 |
| Total loans | 147,508,000 | 148,946,000 | 151,004,000 | 152,620,000 |
| Allowance for loan losses | 2,676,000 | 2,676,000 | 2,819,000 | 2,552,000 |
| Securities available for sale | 13,231,000 | 17,290,000 | 19,194,000 | 20,283,000 |
| Securities held to maturity | 35,828,000 | 35,082,000 | 34,210,000 | 33,282,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,238,000 | 250,446,000 | 254,626,000 | 256,888,000 |
| Interest-bearing deposits | 222,708,000 | 223,683,000 | 225,829,000 | 228,443,000 |
| Noninterest-bearing deposits | 26,530,000 | 26,763,000 | 28,797,000 | 28,445,000 |
| Equity capital | 41,886,000 | 42,581,000 | 43,009,000 | 43,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,094,000 | 4,264,000 | 6,413,000 | 8,604,000 |
| Interest expense | 219,000 | 432,000 | 644,000 | 856,000 |
| Net interest income | 1,875,000 | 3,832,000 | 5,769,000 | 7,748,000 |
| Noninterest income | 93,000 | 180,000 | 280,000 | 442,000 |
| Noninterest expense | 1,078,000 | 2,175,000 | 3,376,000 | 4,659,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | -170,000 |
| Pretax income | 815,000 | 1,762,000 | 2,598,000 | 3,701,000 |
| Income tax | 333,000 | 684,000 | 1,086,000 | 1,519,000 |
| Net income | 482,000 | 1,078,000 | 1,512,000 | 2,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,739,000 | 42,335,000 | 42,770,000 | 43,440,000 |
| Total capital | 43,177,000 | 43,785,000 | 44,221,000 | 44,904,000 |
| Risk-weighted assets | 113,875,000 | 114,850,000 | 114,779,000 | 116,062,000 |